Auto Loans · Indianapolis, Indiana
14 credit unions in Indianapolis report car loan rates to the NCUA. Rates range from 2.97% to 7.15%.
Updated Q1 2026 · NCUA Call Report data
14
CUs Reporting Rates
2.97%
Lowest New Car Rate
5.37%
City Average Rate
14 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | H A L E ★ 3.3 · 101 reviews | 2.97% | 6.03% |
| 2 | FAMILY HORIZONS ★ 3.6 · 57 reviews | 2.99% | 3.40% |
| 3 | INDIANA MEMBERS ★ 4.5 · 102 reviews | 4.49% | 4.49% |
| 4 | KEMBA INDIANAPOLIS ★ 4.3 · 67 reviews | 4.79% | 5.59% |
| 5 | FINANCIAL HEALTH ★ 3.3 · 101 reviews | 5.00% | 10.00% |
| 6 | PROFESSIONAL POLICE OFFICERS ★ 4.2 · 10 reviews | 5.25% | 5.75% |
| 7 | ENERGY PLUS ★ 5.0 · 5 reviews | 5.33% | 6.70% |
| 8 | HOOSIER UNITED ★ 4.2 · 19 reviews | 5.75% | 6.50% |
| 9 | HARVESTER FINANCIAL ★ 3.6 · 32 reviews | 5.99% | 7.79% |
| 10 | FIREFIGHTERS ★ 4.3 · 12 reviews | 6.00% | 7.00% |
| 11 | ELEMENTS FINANCIAL ★ 4.3 · 236 reviews | 6.13% | 7.27% |
| 12 | FORUM ★ 3.8 · 23 reviews | 6.34% | 6.34% |
| 13 | MT ZION INDIANAPOLIS ★ 5.0 · 2 reviews | 7.00% | 8.00% |
| 14 | FINANCIAL CENTER FIRST ★ 3.8 · 236 reviews | 7.15% | 7.25% |
14 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | FAMILY HORIZONS ★ 3.6 · 57 reviews | 3.40% | 2.99% |
| 2 | INDIANA MEMBERS ★ 4.5 · 102 reviews | 4.49% | 4.49% |
| 3 | KEMBA INDIANAPOLIS ★ 4.3 · 67 reviews | 5.59% | 4.79% |
| 4 | PROFESSIONAL POLICE OFFICERS ★ 4.2 · 10 reviews | 5.75% | 5.25% |
| 5 | H A L E ★ 3.3 · 101 reviews | 6.03% | 2.97% |
| 6 | FORUM ★ 3.8 · 23 reviews | 6.34% | 6.34% |
| 7 | HOOSIER UNITED ★ 4.2 · 19 reviews | 6.50% | 5.75% |
| 8 | ENERGY PLUS ★ 5.0 · 5 reviews | 6.70% | 5.33% |
| 9 | FIREFIGHTERS ★ 4.3 · 12 reviews | 7.00% | 6.00% |
| 10 | FINANCIAL CENTER FIRST ★ 3.8 · 236 reviews | 7.25% | 7.15% |
| 11 | ELEMENTS FINANCIAL ★ 4.3 · 236 reviews | 7.27% | 6.13% |
| 12 | HARVESTER FINANCIAL ★ 3.6 · 32 reviews | 7.79% | 5.99% |
| 13 | MT ZION INDIANAPOLIS ★ 5.0 · 2 reviews | 8.00% | 7.00% |
| 14 | FINANCIAL HEALTH ★ 3.3 · 101 reviews | 10.00% | 5.00% |
A pre-approval from a Indianapolis credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Indianapolis in the same window and take the best offer.
See member reviews, branch locations, and full rate details.